The easiest way to save a lot of money is this: SAY NO!
Say no to the coffee with friends at the Starbucks across the street. Have coffee at home instead.
Say no to the thirteen extra curricular activities your children want to do. Limit it to one, then you can actually eat dinner together as a family.
Say no to fast food for lunch each day, and pack a lunch instead. Maybe leftovers from last nights dinner?
To put it simply, it is time to say no to all the little things and yes to the big things. Time with your family, a home cooked meal, a great conversation with a close friend. Stop running and rest. The following is something I say to my teenagers all the time:
"Stop keeping up with the Jones's, the Jones's are broke!"